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Ironically, the ones I'm shutting down are free. The one that charges a fee has useful features. Fortunately, I can avoid the fee if I deposit a minimum each month.

Are there bank accounts that are free to use? Every bank account I use charges a monthly fee even when I don't have money in them.

Discover, American Express, and USAA have free checking accounts. I'm also using Relayfi.com for free business checking.